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Spring Breakers: Know This Important Info Before You Travel



Spring break is about to begin for college and high school students. In about a month or so, young people from around the nation will be heading to some traditional — and some not so traditional — spots to celebrate the oncoming spring season, among other things.

If you’re a high school student, you may be going on some kind of vacation with your parents. Or, if you’re a high school student lucky enough to have the flexibility and permissions of a college student, you may be heading out with some of your school buddies to a warm beach somewhere.

However, let me focus on collegians, for whom spring break is essentially a period of hedonistic revelry that takes place mainly on the beaches of the Western Hemisphere, lubricated with lots of suntan lotion and alcohol.

It’s not 1960 anymore and there’s an extra need for caution and some restraint these days. Being the father of two former spring breakers, I’d like to offer some common sense advice for those of you who will be taking in the sights and sounds of surf, sand and silliness either here in the US or in points south of the border.

Heed the Current Cautions

I did a search for spring break survival tips and found a massive supply. I would be curious to see what a list of spring break cautions would look like if written by parents. We might see such wisdom as, “Don’t forget to take your vitamins!” or “Be sure to check in with us every day.” Comedy at its best!

We parents tend to forget what we were like as 19-year-olds or early 20-somethings. That’s fortunate because if there were videos of our behaviors back then, we would no doubt hide in shame. Thankfully, our brains have a convenient way of suppressing our youthful stupidity.

Now, instead of reminding you to take your vitamins, let me advise you of some current cautions that have been in the news about spring break. Feel free to laugh, but these are serious reports. Here’s part of one from the Chicago Tribune:

In recent years, public officials have raised concerns that spring break is becoming rowdier, putting college students at risk. Last March, during one of the busiest Saturdays of the season, crowds overwhelmed South Beach’s entertainment district in Florida, causing police to temporarily shut down a busy causeway.

In Texas, home to popular spring break sites including South Padre Island and Port Aransas, drunken driving is an ongoing issue. Last year, Texas had more than 400 crashes involving young drivers under the influence of alcohol during the period when students come for spring break, said Emily Parks, spokeswoman for the Texas Department of Transportation. The accidents resulted in 11 deaths and nearly 40 injuries. It wasn’t clear how many of those involved were in Texas for spring break

Headed South of the Border?

Headed to Mexico for spring break? Travelers warned of risks

the US State Department has some advice for the thousands of Americans who head to Mexico this time each year.

In a security alert for the country, the US Embassy in Mexico City offered tips on everything from avoiding unexpected medical costs and sexual assault to staying out of jail.

Here are some things to know before you go:

Hospital costs can be just as high or even higher than in the United States, the embassy said. Check that your health insurance includes coverage of Mexico as well as the cost of getting home for emergency treatment.

Stay safe when heading to the beach: Some beaches have strong currents and riptides, and there may not be any kind of warning or life guards.

Be careful what you drink: The embassy has received reports of Americans “losing consciousness or becoming injured” after drinking “unregulated alcohol.” If you feel ill after drinking, get medical help right away. The US government has warned in past years

Be careful how much you drink: “Drunk and disorderly behavior and urinating in public are illegal in Mexico,” the embassy said. Know your drinking buddies and stay with them “when you are in clubs and bars, out walking in dimly-lit areas, or in a taxi at night.”

Another reason to go easy on the drink: Rapes and sexual assaults have been reported in some resort areas, the alert said, and “perpetrators may target inebriated or isolated individuals.”

Much of these cautions qualify under the “DUH!” heading, but college students on spring break will behave like college students on spring break. Common sense seems to be in short supply with breakers, but the consequences of carelessness can be multiplied many times when partying out of the country.

And the award for The Place Your Parents Want You to Go Least goes to

Tijuana ranked most dangerous city in the world as spring break approaches

Tijuana is the most dangerous city in the world, according to a report by the Citizens’ Council for Public Security and Criminal Justice.

The Los Angeles Times reports that five cities in Mexico are among the most dangerous in the world. The list includes Acapulco, Victoria, Juarez, Irapuato and Tijuana

In 2018, Tijuana saw 138 homicides per 100,000 people. The report was published shortly after the US Embassy & Consulates in Mexico issued a warning to people traveling for spring break.

The alert warns of dangers including unregulated alcohol, sexual assault, medical emergencies and breaking the law in Mexico

I hope you’re getting the message about the potential dangers — I know your parents have already gotten the message.

Consider This Practical Advice

Now for some practical tips that Mom and Dad will love:

For Road Trippers:

– Make sure your car is in good working order before you leave.

– Never text while driving or drive under the influence.

– Check in to a hotel if you’re nodding off on an overnight drive. It’s much cheaper than the costs of falling asleep at the wheel.

For Your Hotel Stay:

– Choose a hotel that is located near where you plan to spend time so that you don’t need to drive or take long walks.

– Use all the locks on your door.

– Don’t open the door for strangers. If you suspect it may be a representative of the hotel, call the front desk to verify before you open the door.

For Partying:

– Go out with friends; go home with friends. No exceptions.

– Text someone who is not with you to state the exact address of where you are going.

– If you take cabs, only choose licensed, official taxis. Avoid unmarked cars or “private” car services.

– Always carry identification.

– Never carry large amounts of cash.

For Drinkers:

– Drink responsibly. Don’t allow spring-break mentality to change your habits.

– Choose beer over liquor or mixed drinks. It’s easier to count exactly how much you’ve had.

– Drink a glass of water after every alcoholic beverage.

– Be sure to eat a full meal before having a drink.

– Be a good friend. Even if you’re having the time of your life, go home with any friend who clearly needs to call it a night.

For Those in Foreign Lands:

– Learn the equivalent of 911 for the country you’re in. For instance, 066 should be used for emergency calls in Mexico.

– Get any necessary vaccinations. Visit the Centers for Disease Control Prevention Travelers’ Health website to learn what is recommended for your destination.

– Make copies of your passports and travel documents. Leave a copy with someone at home and keep a copy in your suitcase while you travel.

Okay. You’ve been briefed. What I haven’t mentioned are the current concerns about the Coronavirus that is causing so much harm and alarm around the world. Hopefully, there may be some kind of positive resolution about this before you head out on spring break, but if there isn’t, check for the latest information and cautions here.

So, after all the above, allow me to offer you what may be the most ironic advice of all: Have a great time on spring break!

By: Dave Berry
Title: Spring Breakers: Know This Important Info Before You Travel
Sourced From:
Published Date: Tue, 28 Jan 2020 15:27:39 +0000

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Apply Online For Student Loans



Apply Online For Student Loans

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Webinar Recap: How COVID-19 is Affecting Financial Aid



Many families are facing new financial challenges in light of the coronavirus emergency, and College Confidential has fielded dozens of questions on this topic recently. To address those queries, we hosted a webinar on April 9 entitled “Paying for College Amid Changes Due to the Impact of COVID-19.”

During the event, moderated by Aaron Murphy, manager of learning and development with Inside Track, the following panelists offered their perspectives on the issue:

  • Denise Trusty, director of financial aid with Morehead State University
  • Laura Reisert Kalinkewicz, associate vice president of college partnerships with RaiseMe
  • Amy Nelson, director of sales at International Scholarship and Tuition Services
  • Charlie Javice, founder and CEO of Frank.

Check out the following topics that the panelists discussed, along with their views of how things may unfold amid the financial challenges brought on by the coronavirus outbreak.

Family Finances Changed? Contact Your Schools

If you plan to start college in the fall as a freshman — or return to school as an existing student — and your financial situation has changed since you applied for financial aid, you should contact the colleges on your list immediately. Financial aid departments can consider appeals for more money, but must base these decisions on each individual student’s situation, Trusty said.

“I know with Morehead State, where I work, we will be doing professional judgement calls on all students who say they’ve been affected,” she noted. “We will reach out to those students to see what we can do to help them maybe obtain additional funding, additional grants, scholarships, whatever they would be eligible for. We do professional judgment all the time for our students, because things happen all the time. This year will be an especially large amount of those, I’m sure, but those are up to individual schools to make that call for their students.”

In addition, she added, the Department of Education has set aside over $6 billion for additional grants and scholarships that the universities will be able to use. “Currently, I don’t know how that’s all going to play into this,” Trusty said. “So that will be up to each individual university on how they lay those out. I know it will be beneficial, I just don’t know how available that will be to each student.”

Keep in mind that schools are accustomed to reviewing financial aid appeals, and they all have processes in place for to do so. “It is really, really important to know that schools typically leave a budget from 10 percent to 20 percent or so of their financial aid dollars for what would be called a professional judgment bucket,”Javice said. “Therefore, there is additional money to be had, and it’s up to you to request it. You should approach your school as soon as you know you might need more money, and be prepared to show supporting documentation demonstrating how your finances are different from when you filed your FAFSA initially. This might require proof of a job loss, medical bills, a cut in pay or another such issue, Javice said.

In addition, if another school gave you a better financial offer, you can petition the school that gave you the lower offer for more money, Javice noted. “This typically works better for private institutions versus public state schools, given the fact that they have a little bit more discrepancy and more dollars to put to work in terms of a tuition discount,” she added. “This is solely up to the school on a case by case basis.” In some cases, the money is distributed on a first come, first serve timeline, so don’t wait if you know you need more aid.

Although financial aid can be a stressful topic, try not to be emotional when you request more money, Javice added. You’ll get a lot further by having organized documentation to present than you would by getting angry or upset, she noted.

Consider Outside Scholarships

The coronavirus situation has changed plans not only for incoming freshmen, but also for current college students, Nelson said. “Organizations are stepping up and trying to find ways to provide additional scholarship opportunities this year,” she noted. Students should be proactive in seeking those options.

Raise Me is offering new micro-scholarships for students who are seeking additional funding sources, Kalinkewicz said. In addition, she encourages students to ask colleges for more time to make decisions, even if the school hasn’t extended its deposit process. You can always try and request additional time to get your financial aid package right, she noted.

Finding more money is not relegated to younger students, Javice added. “Adult learners comprise the biggest group of people actually going to college today,” she noted. It’s very common for people to be seeking new types of skills and going back to college to gain additional degrees. Financial aid is available to adult learners, and they may even get aid to pay such costs as rent, she added. In addition, they can seek outside scholarships or employer-matching funds to pay for their educations.

Not Necessarily Too Late to File FAFSA

Students who didn’t file a FAFSA already should do that as soon as possible so you can get access to financial aid funds, Javice said. Federal FAFSA deadlines are usually in June, but states make their own deadlines for state aid. Some states, such as New Jersey, have moved their deadlines back for this year, so check to make sure you stay on top of your deadlines.

And if you file for financial aid and you decide you don’t want it, you can always decline the financial offer or portions of that offer, Nelson said. Your best bet is to apply so you can take what you need and decline any amounts you don’t need. Even if you don’t think you qualify for financial aid, you should apply anyway because you could be surprised at what you’re offered. “You really need to complete that [FAFSA] process every year,” Nelson said. “The process is very easy, and jobs can come and go. It’s your safety net and you want to make sure you’ve completed it. It makes it a whole lot easier when situations like this arise.”

Some colleges also have supplemental applications to fill out for particular types of aid, so always reach out to your financial aid office for information on which documentation you should be completing, Kalinkewicz said.

Could Families — Not Schools — Be in the Driver’s Seat?

Because many merit scholarships are based on test scores and GPAs, some high school juniors are concerned that they won’t have access to those in the coming year. With test dates being canceled and grades moving to pass/fail, they fear they won’t meet the criteria to earn such scholarships.

“It’s clear to me that colleges and universities know the extraordinary circumstances we’re under,” Nelson said. “All schools are leaning forward and considering all options as the situation develops. I would continue to encourage juniors to stay engaged and stay informed.” You should also watch to see what happens with test dates, she said. The ACT and SAT dates could change, and some schools may forego the need for a test score altogether, she added.

In addition, some merit scholarships that have traditionally been based on test scores may become test optional, Kalinkewicz noted.

Keep in mind that in many cases, families are in the driver’s seat rather than having the colleges be in charge, Javice said. Some schools have lost revenue and are very eager for students right now, “so if you are scared because you thought you could never get into a specific school from an admission criteria standpoint, this is your year to stretch, this is your year to think about the schools that are your reach category and go for it, because schools need the money and need the students. So the power that used to be in an admissions office is in you, the student or the family’s hands,” she said.

She also advises juniors to request application waivers from schools to save the $50 to $100 or so per application that they would normally pay. The schools may say no, but it won’t hurt to ask, she advised. “Persistence is key when dealing with schools,” Javice noted.

Federal Student Loans Payment Suspended

As many families are aware, payments on federal student loans are automatically suspended from March 13 through September 30, 2020 thanks to the government’s CARES Act. This is essential to keep in mind, particularly for families that have multiple children in various stages of the college process.

“You will stop paying your loans and you will have zero interest from now until September 30, and that’s important for parents to know,” Nelson said regarding existing federal student loans. “If you had an auto draft, the auto draft has been shut off and will not continue. You can, however, continue to make those payments if you’d like, and any interest you had before March 13, once that interest is paid up, all your payments will go directly toward your principal.” She advises families with federally-backed loans to check with their loan servicing agents, because they have a lot of information for both parent and student borrowers on how the CARES Act will impact payments for the next six months.

Student Job Gone? Colleges Might Help

For students who expect to earn money via part-time or full-time work to pay for college, but can’t do so due to the coronavirus, colleges may have resources to help. “There are many colleges and universities that have put together emergency grants for students to cover expenses that they were maybe not expecting because of COVID-19,” Nelson said. “They are making accommodations to try and make up for that lost income for students.”

Trusty said Morehead State is continuing to pay students who were on federal work-study. “If they had a job, we are still paying them right now as if they were working, although they are not. In the summer, those funds will be flipped over to emergency grant funds. So we will make sure that our students are covered and can live as if they were employed with the work-study position.”

Some colleges have even made remote work available to students, Kalinkewicz added. Therefore, contact your financial aid office to determine if any accommodations are available to make up for lost student income whenever possible.

Consider Other Options to Save

If you are seeking ways to save money on college, you should also consider other resources, whether that means less expensive colleges, in-state options or potentially transferring down the road, Janice said. You can also save money by taking classes at a community college to pay a lower cost for your credits that can be transferred to a four-year college later.

“If you have that target institution in mind — maybe you’ve already been admitted there but your family has determined a year of community college will really help stretch things further — work on articulation agreements or a plan so you are taking the right classes that actually have the ability to transfer toward the degree you want at your target institution, not necessarily just as credit,” Kalinkewicz said.

In addition, many colleges offer merit aid for transfer students, she added. So always look for every potential financial aid and scholarship resource to best maximize your package and allow your dollars to stretch as far as possible.

Resource: To review the entire hour-long webinar, you can watch the replay here.

Share Your Thoughts

We’d love to hear your thoughts on this topic. Check out our forum to contribute to the conversation!

By: Torrey Kim
Title: Webinar Recap: How COVID-19 is Affecting Financial Aid
Sourced From:
Published Date: Fri, 10 Apr 2020 15:22:20 +0000

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